關於 resale value ，我們在網路上蒐集到這些相關的討論、資訊與評價

My clients, a young couple both aged 30, just bought a condo each after I sold their newly MOP 5 room HDB flat.

Kamal bought a spacious resale 3 bedder condo for $750K. They moved in directly from their HDB to this condo and their 2 children are happy using the facilities there.
Saleha bought a New Launch 2 bedder condo in District 19 for just slightly above 1 million.

𝗪𝗵𝗮𝘁’𝘀 𝘁𝗵𝗲 𝗚𝗮𝗺𝗲 𝗣𝗹𝗮𝗻?
𝟭. 𝗧𝗵𝗲𝘆 𝘄𝗶𝗹𝗹 𝘀𝗲𝗹𝗹 𝘁𝗵𝗲 𝗻𝗲𝘄 𝗰𝗼𝗻𝗱𝗼 𝘄𝗵𝗲𝗻 𝘁𝗵𝗲𝘆 𝗰𝗼𝗹𝗹𝗲𝗰𝘁 𝘁𝗵𝗲 𝗸𝗲𝘆𝘀 𝗶𝗻 𝟮𝟬𝟮𝟯,
𝟮. 𝗼𝗿 𝘄𝗵𝗶𝗹𝘀𝘁 𝘄𝗮𝗶𝘁𝗶𝗻𝗴 𝗳𝗼𝗿 𝗽𝗿𝗶𝗰𝗲 𝘁𝗼 𝗮𝗽𝗽𝗿𝗲𝗰𝗶𝗮𝘁𝗲 𝗳𝘂𝗿𝘁𝗵𝗲𝗿, 𝘁𝗵𝗲𝘆 𝗿𝗲𝗻𝘁 𝗶𝘁 𝗼𝘂𝘁 𝘀𝗼 𝘁𝗵𝗲 𝗧𝗲𝗻𝗮𝗻𝘁 𝘄𝗶𝗹𝗹 𝗯𝗲 𝗽𝗮𝘆𝗶𝗻𝗴 𝗳𝗼𝗿 𝘁𝗵𝗲 𝗺𝗼𝗻𝘁𝗵𝗹𝘆 𝗶𝗻𝘀𝘁𝗮𝗹𝗺𝗲𝗻𝘁.
𝟯. 𝗢𝗿 𝘁𝗵𝗲𝘆 𝗺𝗼𝘃𝗲 𝗶𝗻 𝗮𝗻𝗱 𝗿𝗲𝗻𝘁 𝗼𝘂𝘁 𝘁𝗵𝗲𝗶𝗿 𝗿𝗲𝘀𝗮𝗹𝗲 𝟯 𝗯𝗲𝗱𝗱𝗲𝗿 𝗰𝗼𝗻𝗱𝗼 𝗶𝗻 𝟮𝟬𝟮𝟯.

Not all new condos will appreciate in price! Choosing the Right development and the Right unit will be the most important criteria. In many cases, the lower floors make the most profits. And Freehold condos usually takes a longer time to appreciate than a 99 year leasehold condo.

Many resale condos will lose money, just as in HDB resale. We mitigate the chance of losing money by buying Yishun Emerald because of 4 factors.

Undervalue Location - once the expressways are ready, it will be more appealing and the overall value will go up.
Less than 1km to MRT station - any property near a station can still hold a value because of demand.
Potential pool of future buyers nearby - in a few years time, Canberra estate HDB owners will reach their MOP.

This is called the Exit Plan.

The long term plan for this couple is to invest in a landed property and ‘unconventional’ properties such as shophouses and central kitchen.

𝗘𝘃𝗲𝗿𝘆 𝗰𝗹𝗶𝗲𝗻𝘁 𝘀𝗶𝘁𝘂𝗮𝘁𝗶𝗼𝗻 𝗮𝗻𝗱 𝗻𝗲𝗲𝗱 𝗶𝘀 𝗨𝗻𝗶𝗾𝘂𝗲 𝗮𝗻𝗱 𝗗𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁.

𝗦𝗵𝗮𝗵𝗹𝗮𝗻 𝗶𝘀 𝗮 𝗴𝗼𝗼𝗱 𝗹𝗶𝘀𝘁𝗲𝗻𝗲𝗿. 𝗛𝗲 𝘄𝗼𝘂𝗹𝗱 𝗹𝗶𝗸𝗲 𝘁𝗼 𝗵𝗲𝗮𝗿 𝘆𝗼𝘂𝗿 𝘀𝘁𝗼𝗿𝘆, 𝘆𝗼𝘂𝗿 𝗽𝗹𝗮𝗻, 𝘆𝗼𝘂𝗿 𝗴𝗼𝗮𝗹𝘀, 𝘆𝗼𝘂𝗿 𝗱𝗿𝗲𝗮𝗺𝘀 𝗮𝗻𝗱 𝗺𝗼𝘀𝘁 𝗶𝗺𝗽𝗼𝗿𝘁𝗮𝗻𝘁𝗹𝘆, 𝗮𝗻𝘀𝘄𝗲𝗿 𝘆𝗼𝘂𝗿 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻𝘀.

𝘂𝗻𝘁𝘂𝗻𝗴 𝗦𝗛𝗔𝗛𝗟𝗔𝗡 𝗮𝗱𝗮
☎𝗛𝗣: 𝟵𝟲𝟮𝟴𝟭𝟭𝟳𝟬
𝗔𝘀𝘀𝗼𝗰𝗶𝗮𝘁𝗲 𝗚𝗿𝗼𝘂𝗽 𝗗𝗶𝗿𝗲𝗰𝘁𝗼𝗿
𝗣𝗿𝗼𝗽𝗡𝗲𝘅 𝗥𝗲𝗮𝗹𝘁𝘆 𝗡𝗲𝘁𝘄𝗼𝗿𝗸 𝗣𝘁𝗲 𝗟𝘁𝗱
𝗖𝗘𝗔: 𝗥𝟬𝟮𝟮𝟮𝟱𝟲𝗕

*To buy a 1 million condo, and take maximum $750K loan
you need a minimum total income of $5.6K if you’re below 35 years old.

*The CASH outlay for a new launch condo sometimes can be smaller than HDB resale.

*The monthly instalment for Condo could be lesser than a HDB. E.g 750K
HDB monthly $2,552 (2.6% 25 years) vs Condo $2,079 (2% 30 years)

* The downpayment for a Private Property could be lesser than for an EC. Because you will get more loan for a Private Property.

*Can you buy a 2nd property? When?
If you own a Private Property, can you buy a HDB flat?
Can you ‘avoid’ paying Additional Buyer Stamp Duty?

*If you own a HDB flat, yes you can buy a Private Property.
If you own a Pte Prop, you can buy HDB, but within 6 months, you must sell all other residential properties in S’pore/world except commercial property.

𝙄𝙛 𝙮𝙤𝙪 𝙛𝙞𝙣𝙙 𝙩𝙝𝙞𝙨 𝙫𝙞𝙙𝙚𝙤 𝙖𝙣𝙙 𝙩𝙝𝙚 𝙞𝙣𝙛𝙤𝙧𝙢𝙖𝙩𝙞𝙤𝙣 𝙝𝙚𝙧𝙚 𝙞𝙨 𝙪𝙨𝙚𝙛𝙪𝙡 𝙖𝙣𝙙 𝙤𝙛 𝙗𝙚𝙣𝙚𝙛𝙞𝙩 𝙩𝙤 𝙮𝙤𝙪, 𝙥𝙡𝙚𝙖𝙨𝙚 𝙎𝙃𝘼𝙍𝙀 𝙬𝙞𝙩𝙝 𝙮𝙤𝙪𝙧 𝙛𝙧𝙞𝙚𝙣𝙙𝙨 𝙖𝙣𝙙 𝙡𝙤𝙫𝙚𝙙 𝙤𝙣𝙚𝙨.

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It’s been months, i am adopting a conscious way to consume fashion, i buy less and buy well.. Invested in timeless pieces that will stand test of time and hold their value at resale.
Shop the wardrobe of a global community of over 9 millions like-minded fashion lovers, i recently found @vestiaireco where you can find treasures of your favourite fashion brands..
I loved my preloved #Theory Dress and classy preloved #PhilipLim suit as well as preloved unique bag from #AnyaHindmarch
#vestiairecollective
#vestiairecollectivesg
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#exploreSingapore #Singapore #discoverSingapore #VisitSingapore #singaporeinsiders #singaporeworld #things2doinSingapore

DPM Tharman Shanmugaratnam presented Budget 2013 this afternoon. His theme was “A better Singapore: Quality growth, An Inclusive Society”.

Our immediate priority is to solve the housing and transport issues. At the same time, we must upgrade our economy through productivity and innovation. Budget 2013 will help our businesses cope with much lower foreign worker growth over the next few years. It also contains schemes to enable every Singaporean to benefit from growth. For example, the Wage Credit Scheme will incentivise employers to raise salaries of their lower-income workers, as the Govt will pay 40% of these salary increases for three years. We will also focus on promoting social mobility, especially through education, so that children from less privileged backgrounds are not disadvantaged in our society.

The Parliament will discuss Budget 2013 in the upcoming weeks. You can visit www.singaporebudget.gov.sg for more details about the Budget. - LHL

We had the Budget today. We are transforming our economy so that we can have quality growth – growth that all Singaporeans will benefit from, and which will allow a better quality of life. And we are taking further steps towards a more inclusive society – starting with the kids, helping lower-income workers, and providing greater economic security for our retirees, including those in the middle-income group.

Here's an extract from the Budget Speech that sets out the main directions our policies are taking. The specifics are in the full speech linked below.

http://www.singaporebudget.gov.sg/budget…/budget_speech.html

BETTER SINGAPORE: QUALITY GROWTH, AN INCLUSIVE SOCIETY

Many Singaporeans, through Our Singapore Conversation platforms, have been sharing their hopes for Singapore – the kind of home we want to build for our families and our children. There has been a rich diversity of views. But a common set of aspirations is emerging, a common vision of the future that Singaporeans want:
• A home with a strong Singaporean identity and sense of belonging
• A Singapore with a robust and vibrant economy, and with good jobs that enable a more fulfilling pace of life
• A home with strong families, and where our seniors can age with dignity
• A society that takes care of the disadvantaged
• A Singapore with affordable living
• A society with greater sense of togetherness, and where the Government and the people have a more collaborative relationship

This is the Singapore that we want to build together.

The Government is making major moves to support this endeavour. Since 2010, we have embarked on major steps to transform our economy so as to create better jobs and allow for a better pace and quality of life. We are also making important shifts in social policies, as announced in last year’s Budget, to foster a fair and more inclusive society.

We will need to make further moves. So that by the end of the decade, we will have a better Singapore, a better future for all Singaporeans.

Immediate Challenges: Housing and Transport

First, we have pressing challenges in housing and transport. The Government will spare no effort in resolving these problems.
We want to reduce the cost of housing relative to the income of young Singaporeans. Prices in the HDB resale market and private market have risen too rapidly in the cycle that began as we recovered from the 2009 economic crisis. We have taken major steps to cool the housing market. We have also ramped up the supply of HDB flats which will help first-time buyers book their flats faster as well as ease prices in the resale market. And we have increased supply of private housing through Government Land Sales. The Minister for National Development will speak more in COS about these immediate challenges as well as how we can ensure affordable, quality housing for Singaporeans over the longer term.

We have to make many improvements in public transport. Congestion and waiting times are a daily problem for Singaporeans. We are ramping up bus capacity, especially feeder services, to improve frequency and add new routes. We are accelerating the rollout of the additional 800 buses that we made provisions for last year. In addition, the Land Transport Authority will be tendering out routes to private operators.

Our rail network will expand by more than 50% by 2021. That is still eight years away. But in the meantime, we will see improvements that will help relieve congestion. Parts of the Downtown Line will start operating from the end of this year, and new trains will be added to existing lines from next year. We will also introduce other measures to reduce crowding, including significantly enhanced incentives for commuters who travel during the “shoulder” periods before and after the morning peak hour. The Minister for Transport will talk about these measures in the COS.

An Economy and Society in Transition

While we fix these immediate problems in housing and transport, we have to press on with our priorities to help Singaporeans have a better quality of life over the medium to long term.

We have to shift gears for an economy and society that is in transition.

We are no longer a developing economy, but we have not achieved the level of productivity and income of an advanced economy. At the same time, our own workforce is growing more slowly, and is gradually getting older.

We must make every effort to achieve quality growth: growth that is achieved mainly through innovation and higher productivity, and growth that will benefit all Singaporeans – our children, working families, our elderly and disabled.

Our strategies for achieving quality growth and an inclusive society are in fact tied inextricably together. Raising productivity is not just our most important economic priority, but enables us to build a better society. Higher productivity is the only sustainable way to raise incomes for ordinary Singaporeans, and provide jobs that give people a sense of responsibility and empowerment. Higher productivity is also necessary for us to shorten working hours over time and allow Singaporeans to enjoy a better work-life balance.

Our society is also facing the pressures of widening income disparities. This is happening in cities globally and in Asia, but it matters more to us because Singapore is not just a city but also a nation. We must take further steps to temper inequality. We also want to do more to enable our seniors to have a sense of economic security and fulfilment in their retirement years.

On both economy and society, therefore, we need to shift our thinking.
In government: where we are reshaping policies and driving new initiatives, especially to sustain social mobility and strengthen support for older Singaporeans.
In the business community: which has to innovate and adjust to the permanent reality of a tight labour market.
In our society at large: where we have to accord ordinary workers not just better pay but greater respect.
In the community: with non-profits and other voluntary groups pursuing the causes we all believe in, and working with an active partner in the government.
And for all of us individuals, to do our best to improve and to contribute to our country in our own ways.

Transforming Our Economy for Better Jobs
We are restructuring our economy. We began this in earnest in 2010, by:
• Tightening foreign worker inflows;
• Supporting enterprises in their efforts to upgrade operations and improve productivity; and
• Investing in our workers by heavily subsidising their training, in every skill.

We need to intensify this economic restructuring and skills upgrading so as to achieve quality growth. Although wages are going up in a tight labour market, productivity has lagged. If we do not do better in raising productivity, we will be caught in a situation where businesses lose competitiveness, and wages eventually stagnate. Both workers and businesses will be worse off.

We must help our SME sector revitalise itself. There are however wide divergences in efficiency amongst SMEs even in the same industries. Restructuring will unfortunately lead to some businesses being winnowed out, but the end result must be a vibrant and sustainable local SME sector. Every support must be provided to help the businesses which bring in more efficient techniques and service models, so they can grow in a tight labour market, and where possible make their mark internationally.

There are already many examples of SMEs transforming themselves, in every sector. For example in furniture manufacturing, local firms are training multi-skilled employees, relocating manpower-intensive activities, developing unique brands and carving a niche for themselves in overseas markets.

To make this economic transition, we must also harness the value of older Singaporeans and design jobs suited for them, as well as for other potential employees who are unable to work regular, full-time schedules. Flexible work practices must become more common, enabling employees to structure their work so that they have time for their families or for personal development like part-time courses. We should also make it possible for more employees to have the option of telecommuting from home or working from “smart work centres” near their homes, like what they have in Amsterdam and Seoul. The Government will work closely with businesses in these efforts.

Building a Fair and Inclusive Society

We are also taking major steps to ensure a fair and more inclusive society.

• First, to sustain social mobility. Meritocracy alone will not assure us of this. We therefore want to do more, starting from early in our children’s lives, to give the best leg up to those who start with a disadvantage. We cannot change the fact that children have different family backgrounds that bring very different advantages and disadvantages. But we want to find every way, at the pre-school and primary school levels, to help our children from poorer or less stable families to develop confidence and the self-belief that gives them aspirations of their own, and to help them catch up when they fall behind. And we will provide pathways to develop every skill and ability, so that every child can discover his strengths as he grows up, and can do well.

• Second, we must do more to mitigate inequality. We are making our fiscal system more progressive, by tilting our taxes and benefits in favour of the lower- and middle-income groups.

Currently:

i. A lower-income older worker receives a significant top-up of his income through Workfare each year.

ii. A middle-income family with a child in child care gets subsidies of $4,800 per year. If the child is in university, he can receive more than $8,500 in bursaries over the course of his studies, and get a subsidised government loan to pay off the remaining fees and cover study expenses. Children from lower-income families receive far more.

iii. Singaporeans with disabilities now receive substantially greater support. Both when young through early intervention under EIPIC, and as adults, where we provide a substantial incentive through the Special Employment Credit (SEC) for firms to employ them so that they can contribute and lead more independent lives.

iv. An older Singaporean in need of long term care can receive subsidies of $870 per month for home-based care or $1,200 per month if he is in a nursing home, following the changes we introduced last year. Those who need more help will get it through Medifund.

We will take further, significant steps in this Budget towards strengthening social mobility and increasing the progressivity and fairness of our system. In particular, with enhancements to Workfare, a low-wage worker who is 60 years old would receive a top-up of his pay of about 30%. This is in addition to what his employer can receive through the SEC, and the new Wage Credit Scheme, to be introduced in this year’s Budget, which will encourage his employer to up his pay.

While raising incomes is the best way to help lower- and middle- income Singaporeans cope with rising costs, this Budget will also include measures to help them more immediately. The most significant support will go to older Singaporeans, to help them with medical costs.

Taking all our measures together, including those which will be announced in this Budget, we are providing substantial benefits to lower- and middle-income Singaporeans. The full picture can be seen if we look at benefits over a lifetime, starting from a couple’s needs when they first have children, to the time they get old and need other types of help, especially with healthcare costs.

In total, over a lifetime, a young low-income couple with two children can expect to receive more than $600,000 in benefits in real terms (2013 dollars). (This comes from subsidies and other means-tested benefits for their children’s education, housing, healthcare, Workfare, the GST Voucher, and other schemes.)

This is much more than we used to provide in the past. In the last decade alone, we have more than doubled the lifetime benefits in real terms for such families.

When we take into account all the taxes that such low-income families will pay (mainly GST), they will get back far more in benefits. In fact, they will get more than five dollars in benefits for every dollar in taxes paid.

However, today’s generation of older Singaporeans will not benefit as much as younger Singaporeans from the enhancements in Workfare and CPF and other schemes. We want to do more for this senior generation of Singaporeans, who worked over the years, often with low pay, to build a better future for their children. They made today’s Singapore possible. We will do more for them. The Government is reviewing the system of healthcare financing and some other schemes to help them in their retirement years.

Finally, the Budget will make significant investments to nurture the sports and arts, which play a growing role in enriching life in Singapore. Over the next five years, we will invest 30% more in sports programmes, and more than double our investments to develop regional- and community-level sports facilities. The Government will also create a new Cultural Donation Matching Fund, to provide dollar-for-dollar matching for donations to the arts and culture.

In short, we are building a better Singapore: a more inclusive and caring society, with an innovative and dynamic economy, so that Singaporeans can have better opportunities and more fulfilling lives.

http://www.singaporebudget.gov.sg/budget…/budget_speech.html

Redesigning our home using a really fun app!
Wish we played with this app before our reno so we can explore more choices that are available too!

You can now try to plan how your home can look like, especially if you are waiting for your BTO, or planning a future reno, to get as close to your dream home before you speak to your ID!

Planner 5D is available in IOS and Android but we would recommend using it on a desktop or laptop.

Download Planner 5D here - https://planner5d.com/
Get your Secretlab here - https://bit.ly/31fn7NC

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Some of the links above are affiliate links, where we earn a small commission if you click it and purchase them. You are not obliged to do so, but it does help fund these videos which we hope helps bring value to you!

Feel free to leave us any questions at the comment section.
Thank you for watching!

For sponsorship, product reviews, and collaboration, you can email me here:
pxdkitty@gmail.com

Follow us on Instagram: https://instagram.com/pxdkitty
Our online store: https://www.pixiepax.sg/

Just like most Singaporeans, we stay in a relatively small home (84m², 4-room resale HDB flat), and have to get resourceful when it comes to saving space and maximising space efficiency.
In this video, we’ll be sharing some space saving ideas that we have in our home, and hopefully it’ll give you some inspirations for your home too!

In order of products mentioned:

Convertible Table - https://bit.ly/3dC6xMP
(Take note that product arrives in a large crate. Hammer & assistance will be required to unbox!)
Kitchen Movable Island - Carpentry work from contractor
Panasonic Multi-door Fridge - https://bit.ly/2IBJiXH
Panasonic Cuble Washer Dryer Combo - http://bit.ly/3k753wlbit
Platform Bed - Carpentry work from contractor
Panasonic Cordless Iron - https://bit.ly/2GZ47Mt

This video is sponsored by Panasonic.
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Some of the links above are affiliate links, where we earn a small commission if you click it and purchase them. You are not obliged to do so, but it does help fund these videos which we hope helps bring value to you!

Feel free to leave us any questions at the comment section.
Thank you for watching!

For sponsorship, product reviews, and collaboration, you can email me here:
pxdkitty@gmail.com

Follow us on Instagram: https://instagram.com/pxdkitty
Our online store: https://www.pixiepax.sg/

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After moving into our HDB for 10 months, we realised that we've been arguing about some weird things we've never fought about before, and sometimes it just really doesn't make sense!

Can you relate to this?
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Some of the links above are affiliate links, where we earn a small commission if you click it and purchase them. You are not obliged to do so, but it does help fund these videos which we hope helps bring value to you!

Feel free to leave us any questions at the comment section.
Thank you for watching!

For sponsorship, product reviews, and collaboration, you can email me here:
pxdkitty@gmail.com

Follow us on Instagram: https://instagram.com/pxdkitty
Our online store: https://www.pixiepax.sg/

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